Terms & Conditions

The website explores the beliefs, values, emotions, experiences and habits that may shape your relationship with money. You can read the Knowledge Hub, complete a self-report quiz and choose a Financial Psychology Reflection session with Mandy.

The session is a conversation about your own experience. You may question an interpretation, leave out a topic or stop at any time. The MyAdvisor.sg session ends here; it does not automatically lead to another service.

The website, quiz, reports and session do not recommend financial products or transactions, assess product suitability, carry out a financial-needs analysis or create a personal financial plan. They do not arrange investment or insurance transactions, receive investment funds or open a regulated advisory appointment.

Completing the quiz, sharing contact details or booking a reflection session does not create a financial adviser–client relationship. This service does not arrange advisory referrals or use your reflection results to route you to financial products. Any future request for regulated financial advice must be separately initiated and handled through the relevant authorised provider’s own process.

MyAdvisor.sg does not claim that MAS has approved or endorsed the website, quiz or FinB.E.E. methodology, or granted a special exemption for this service. These Terms do not change any legal or professional obligations that apply to the actual activities carried out. For financial, investment, insurance, tax or legal decisions, seek an appropriately qualified professional.

FinB.E.E. provides a structured way to reflect on money themes. Its quiz is not a validated psychological test, a clinical assessment or a diagnosis. It is also not a test of your financial ability, an investment-risk assessment or a cognitive-bias detector.

Scores and archetype descriptions summarise the answers you give using predefined rules. They are tentative conversation prompts: they do not define your personality, establish why you chose an answer or predict future choices. You can skip questions and correct, disagree with or set aside a description.

The optional session is educational reflection. It is not psychotherapy, medical treatment or an emergency service. If you need clinical or urgent support, seek an appropriately qualified service.

Your client report is not shown on the completion screen. Once it is ready, a link to it is emailed to the address you provided, and the online report remains available for 30 days from quiz completion. Mandy has a separate password-protected guide. Anyone who has your report link may be able to open that report, so keep the email and link private.

If you take part in a session, Mandy may record the points discussed, your corrections and any reflection step you choose. Notes and the downloadable session document are stored in her restricted workspace. You may ask Mandy for a copy or request a correction under the Privacy Policy. A saved draft may be incomplete; only an agreed outcome should be treated as your confirmed account.

Online report access expires after 30 days, which does not by itself delete the underlying records; see the Privacy Policy for retention. Downloaded, printed or emailed copies are separate from the website and must be kept securely.

Bookings are for a Financial Psychology Reflection session and depend on live calendar availability. Clicking the booking button in your report can fill the form with your saved name, email and optional telephone number. Check and edit these details before confirming. Pre-filling does not book a session or accept the booking terms for you.

A booking is confirmed only when the service gives you confirmation. Appointment details and the confirmation may be handled through Microsoft Bookings and Outlook. Follow the instructions in your invitation, or contact Mandy, to request a change or cancellation.

Optional permission to contact you about a reflection session is separate from accessing your report. It is not permission for unrelated marketing or financial-advisory referrals.

Provide details that are reasonably accurate and submit only information you are entitled to share. You do not need to provide account passwords, one-time codes, payment-card details, identity documents or account statements for this reflection. Avoid identifying other people unnecessarily.

The Knowledge Hub offers general education, rather than an individual recommendation. Content may change as knowledge and circumstances change; no particular financial or personal outcome is guaranteed.

Original text, branding, design and materials are protected by applicable intellectual-property laws. You may read them for personal, non-commercial use and download or share your own client report. Do not commercially reproduce the materials, misrepresent their source or publish another person’s information without permission. Mandy’s restricted guide is not a public report.

Do not impersonate someone, misuse forms or bookings, introduce malicious software, interfere with the service, scrape protected personal information or attempt to access reports or accounts you are not authorised to use. Access may be restricted where necessary to protect users and the service.

Nylacore Private Limited provides technology and data-processing support for Mandy. That role does not authorise Nylacore to give financial advice or make financial-product referrals through this service. The Privacy Policy explains the relevant hosting, booking and communications providers.

External services operate under their own terms and privacy notices. We take reasonable care with the website, but cannot promise uninterrupted access or that every item will always be current or error-free.

Use educational material with judgement and discuss any interpretation that does not fit your experience. To the extent permitted by Singapore law, Mandy is not responsible for losses resulting solely from reliance on general educational content as a substitute for appropriate professional advice. Nothing in these Terms excludes liability or rights that cannot lawfully be excluded.

A checkbox, form submission or booking confirmation may record the instruction you give, its date and the applicable policy versions. Acceptance for one purpose does not authorise a different service or unrelated marketing.

We may update these Terms and display the revised date and version. A change to the Terms does not retrospectively turn a reflection session into a financial-advisory engagement or expand an earlier data-use permission.

These Terms are governed by the laws of Singapore. For questions or concerns, contact Mandy at: